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in debt to council tax
hi am looking for some helpful advice im young and inexperienced with this kind of thing. I owe tax quite alot £3000 odd, i received a summons and recently went to the CAB the woman was able to type my reference in and see my council tax account. I was told that the council probably wouldnt accept monthly payments now, as…
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Credit cards: will they write off debts?
I am neither being made nor self-bankrupting - yet. I have paid minimum payments to date so my credit file is sparklingly clean. I am facing the fact that I can't possibly continue to borrow from Peter to pay off Paul so I need to "shut down" the payments. Do I stop completely and await court action, pay £1 nominal payment…
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Okay, in debt, sick of being in debt, all advice greatly appreciated
hello everyone, straight down to business, I hate HSBC, i'm sick of them charging me, they tell me i've gone over my overdraft limit, when in fact it is usually their charges that put me there. To be honest i'm not sure where to start, so i think i'll start by listing my current debts. Graduate HSBC Current Account.…
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anyone heard of these?
Afternoon, Has anybody heard of First step finance based in stockport, are they any good? Cheers
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Nikki's "stop spending money on rubbish" diary!
Hi all! This is my own little monthly challenge - to see if I can go from this payday to the next without finding myself skint and borrowing money from family to afford petrol etc. I know I'm not in that bad a situation, but I'm hoping that posting things here will really help me to budget as I seem to spend an awful lot…
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In tears...thanks to MBNA!
I have just called MBNA to advise them of my forthcoming CCCS appointment. I have already made a arrangement with MBNA about 2 months ago which I now can't pay. I am freelance and my invoices are rarely paid on time which is the main reason for getting into this mess. My 'account manager' has just told me I have wasted…
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The price of chocolate
Hi Guys, Just a quickie I was amazed yesterday to see the price of the 150g bar of milky bar. Last week when I bought some to make some chocolate fudge for Fathers Day pressie it was 98p in Tescos Express. Yesterday when I went for a wander at lunch time, only a wander as it was a much needed NSD spotted that its now a…
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Day 1 of Debt Free Diary
Hi All! £1000 to dad for car £2500 to mum £761.97 to Halifax Credit Card £831.44 to MBNA Credit Card £697.13 to Mint Credit Card £305.00 to RBS Credit Card £13750.92 to NatWest Personal Loan (72 payments left of £223.89) OH £1089.65 to Capital one Credit Card OH £246.76 to Burton Menswear £284.74 to Abbey Overdraft £246.65…
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Credit rating help!!!!!!
Hi guys, 1st time user so sorry if wrong part of the site. I need your experiance and advice. I have just recieved my credit report and see that I need to improve my score dramaticly and part of that is down to the fact that my mortage (C&G) that I had was constantly in areaers. Now i know i was stupid but i hid the…
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off topic --advice pls summonss to crt
I know this is totally of topic and im sorry i jst need to advice and support please. i shall try and cut a long story short.. Basically my dad remarried 2 years ago to someone who we ( his family ) didnt rate much... on benifits, claiming and working etc.. i hated her she had him round her little finger( he always been a…
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Please Help :(
Hi All. I really am not sure what to do, but after years of stupidity and putting my head in the sand, I have finally taken the plunge and sought advice from CCCS. This was after one year of writing to my creditors and them refusing to accept my payments. Stupidly, I continued to rob Peter to pay Paul, juggling my payments…
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Full and final offer advice.
How exactly does a full and final offer work? Basically I have about 4 accounts with Wescot none of them above £80 which I am paying back at £1 a month at the moment. Just wondering if I can make an offer to get at least one of them cleared off.
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When other people make you go grrr!!!!
Hi! Right as many of you know it was my birthday yesterday :D A whole 26!! :eek: I had some lovely messages from friends have and in 'real life' :rotfl: But one thing has really upset me and made me angry. My best friend, the girl I have known since we were 14, didn't bother :confused: Not card, nothing, and she doesn't…
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Bailiffs- a little quick advice please.
In december I did some work for someone for 2 weeks, they failed to pay me as agreed and pursued a claim in small claims that I had caused damaged basically costing the same as what they had agreed to pay me. When the court papers came through I was having a hormonal treatment which had sent me into a super serious…
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Tuesday 17/06/08 What small dfw things have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Tuesday 17th June *Daily Chat Thread*
Good Morning Lovely Peeps:wave: Dont seem to be able to sleep past 6am lately for some reason:confused: so thought I would start off the Daily again. I have a day off and so does OH today so once the boys are off to school we will have a nice day together...........dont know what we are going to get up to yet but it will…
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Pap/Moozies What have/will you spend Tuesday 17th June ?
Good morning folks :hello: My DS decided to wake me up at 04.30am & I can't get back to sleep now! Have to go into town again as a game I bought for my son's birthday from GAME ( the shop ) preowned, looks like a fake:eek: , (booklet is printed poorly, sticker on cartridge wonky & looks cut out) & doesn't connect to my…
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Lloyds TSB Credit Card - any experiences
Hi Everyone. Lloyds TSB Credit Card is one of my 6 creditors (I owe them over 6K :eek:). I'm doing my own DMP and everyone else has agreed to stop interest and charges EXCEPT Lloyds :mad: Lloyds (well actually their Indian Call Centre) have allowed me to make a reduced payment of £60 per month, for six months, and are…
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Baliff Help
Evening All, A little advice if anyone can help would be appreciated. This morning was going really really well, until... I went to my car and realised it had been clamped for an unpaid PCN. Which to be honest I didnt know about... so £340 later here we go,,,,, i was in debt to start with but more now. but can anyone help…
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few questions
right , im filling in the forms and stuff online. I got a few letters saying that court action may occur if i do not get in contact. What does this mean? Can i go to prison >? It sounds silly in my head but i thought id ask!
